SwiftUI Multi-platform: Catalyst or multiple targets?

When making a Multiplatform app with SwiftUI (supporting both iOS and macOS), is there a particular reason to use multiple targets over Catalyst (or vice versa)?
From what I understand, one big difference is that if you need an "escape hatch" to do something SwiftUI doesn't support, you will only be able to do UIKit if you follow the Catalyst approach. This makes me think Catalyst would be a better fit for an iOS developer like me.
In addition, you can access AppKit from Catalyst, which seems to make that approach more flexible (If I need to do something only available in AppKit).
On the other hand, creating a new cross-platform project in Xcode creates two targets which makes me wonder if that's the officially recommended approach. Maybe because this would allow more flexibility if you want different build settings for each platform?

Another, related question: If I use Catalyst for 1.0 of an app, and release an app to the App Store, can I switch to the multiple-target approach later?
If you're starting a new SwiftUI app that targets multiple platforms, it's strongly recommended to build a Mac target against the macOS SDK (which, as you noted, the Multiplatform app template sets up by default). This is the best way to build an idiomatic design for the Mac without any compromises.

SwiftUI on Mac Catalyst is a great option if you're already in the ideal spot for Mac Catalyst adoption (i.e. you have a lot of investment in an existing iPad application, and you'd like to bring it to the Mac) and you'd also like to incrementally adopt SwiftUI.
SwiftUI Multi-platform: Catalyst or multiple targets?
 
 
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